Is "termniated" notation under responsibility hurting DH Fico Score?
DH was an "Authorized User" on a Providian account that had some lates etc... and was closed with a balance that is being paid and current. Disputed as "Not Mine" with the CRAs. Experian and TU both deleted the accounts completely. Equifax came back as verified, so I contacted Providian and explained I wanted him removed as AA so that this would be deleted from his report.
Equifax still reporting but now shows the responsibility as "Terminated" rather than Authorized User. The outstanding balance is not figured into the balances owed.
Should we write to Equifax and request it be deleted completely? BTW...info obtained from TrueCredit report and not a report direct from Equifax
